UNIQA

territorial_scope

The MTPL (OC) policy covers events occurring in the territory of Poland. On a reciprocity basis, it also covers events in the territories of countries whose national bureaux are signatories to the Multilateral Agreement. The Green Card extends coverage to these countries from the moment the vehicle crosses the relevant border.

green_card_rules

The Green Card (Ubezpieczenie Zielona Karta – ZK) is issued as part of the OC Package at no extra charge. The applicable guarantee sum is that of the country of the event, but not less than the Polish statutory minimum stated in the policy. The ZK policy term is a minimum of 15 days and maximum of 12 months. It terminates simultaneously with the Polish OC policy. The driver must carry the Green Card document abroad and present it upon request by control authorities. UNIQA is not liable for consequences of failure to present the document. The ZK policy is terminated simultaneously with the dissolution of the Polish OC contract.

driver_restrictions

The OC policy covers any person driving the vehicle, including those authorised by the owner. Cover does not apply if the driver did not hold the required driving licence, or was driving under the influence of alcohol, narcotics, psychotropic substances, or similar substances. UNIQA has the right of recourse against the driver (not the policyholder) in such cases, as well as if the driver obtained the vehicle through a crime, fled the scene, or used a Green Card after policy termination.

claim_notification_deadline

After an accident the policyholder/insured must: notify the police if there are casualties or circumstances suggesting a crime; provide necessary identification information to other parties; notify UNIQA of the event without undue delay; submit the documents and data required to establish liability. Under the ZK, the insured must also notify UNIQA if the claimant brings court proceedings. The IPID states that payment is made within 30 days of claim notification; if full investigation is impossible within 30 days, the undisputed part is paid within 30 days and the remainder within 14 days of when clarification became possible.

bonus_malus_rules

Premium is calculated based on the individual insurance history of the policyholder, including the number of claims under OC and AC policies over the preceding period. UNIQA offers up to 80% discount for long claim-free histories. An optional 'protection of discounts' clause (Klauzula ochrony zniżek) is available for an additional premium: under it, one OC claim per policy year does not affect the premium for the renewal period. The premium is determined at the time of application using the tariff in force, taking into account regional zone, vehicle classification, usage, payment method, and insurance history.

Assistance MIDI bundled with OC package

Assistance MIDI is included at no additional cost as part of the OC package, providing roadside assistance and vehicle repair services

Green Card (Zielona Karta) included

Green Card (international motor liability insurance certificate) is included as part of the OC package

Direct Loss Settlement (BLS)

Simplified claim settlement without need to contact the at-fault party's insurer, available for qualifying incidents

Mandatory minimum guarantee sums

All OC policies must meet statutory minimum coverage limits for third-party bodily injury and property damage

Continuous coverage requirement

Vehicle owners must maintain continuous OC insurance coverage with no gaps

Coverage extends beyond active driving

OC coverage applies not only during active vehicle operation but also during boarding, alighting, loading, unloading, parking, and storage